Property Taxes in Maryland
Property Taxes in Maryland
Median Maryland effective property tax rate: 1.21%, significantly higher than the national median of 1.02%.
Median Maryland home value: $338,400
Median annual Maryland tax bill: $4,092, $1,692 higher than the national median property tax bill of $2,400.
How are property taxes in Maryland calculated?
Property taxes in Maryland are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding your county's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you are in Maryland, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Maryland Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.21%
Estimate Property Tax Bill
$4,095
$3,800
$774
Average Annual Tax Savings
How Does the Maryland Property Tax Calculator Work?
Use this Maryland property tax calculator to estimate your annual tax bill with just your property's assessed value. Our calculator applies Maryland's median effective tax rate of 1.21% to generate a realistic estimate of what you'll owe — or what you could save.
Enter your property's estimated assessed value — the value your county assessor uses to calculate your bill, which is typically lower than market value after exemptions. Our calculator applies Maryland's median effective tax rate (actual tax bills divided by assessor's market value), which accounts for exemptions and provides a more accurate estimate than the statutory millage rate alone.
Note: your assessed value is determined by your county and reflects any exemptions you already have. Maryland's median property tax bill is $4,092, compared with the national median property tax bill of $2,400. County bills vary widely, from $1,116 in Allegany to $7,069 in Howard, a difference of $1,692.
If your estimate is higher than expected, Ownwell can review your assessment and protest on your behalf.
Property Tax Rates Across Maryland
What Are Effective Property Tax Rates in Maryland?
Local government entities set tax rates, which can vary widely across Maryland. Each county estimates its required budget to fund public services and divides that by the total assessed value of all taxable property in its jurisdiction, and this calculation produces the effective tax rate. Our median effective rate is 1.21%, which is higher than the national median of 1.02%. Baltimore County has the highest effective property tax rate in Maryland at 1.94%, while Talbot County has the lowest at 0.76%. The effective rate, which reflects your actual tax bill divided by the assessor's market value, accounts for exemptions and deductions, making it more accurate than the general statutory millage rate.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Maryland Tax Rate
1.21%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Maryland
| County | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Allegany | 0.75% | 0.82% | 1.03% | 1.17% | 1.23% |
| Anne Arundel | 0.82% | 0.94% | 1.09% | 1.18% | 1.26% |
| Baltimore County | 1.04% | 1.17% | 1.29% | 1.44% | 1.63% |
| Calvert | 0.96% | 1.01% | 1.06% | 1.12% | 1.14% |
| Caroline | 0.87% | 0.98% | 1.08% | 1.31% | 1.57% |
| Carroll | 0.94% | 1.02% | 1.13% | 1.21% | 1.38% |
| Cecil | 0.81% | 0.88% | 0.96% | 1.15% | 1.55% |
| Charles | 1.16% | 1.24% | 1.34% | 1.43% | 1.56% |
| Dorchester | 0.91% | 1.04% | 1.13% | 1.57% | 1.69% |
| Frederick | 1.01% | 1.13% | 1.23% | 1.50% | 1.70% |
| Garrett | 0.92% | 1.00% | 1.09% | 1.20% | 1.35% |
| Harford | 0.83% | 0.91% | 0.96% | 1.05% | 1.10% |
| Howard | 1.22% | 1.30% | 1.40% | 1.49% | 1.55% |
| Kent | 0.96% | 1.05% | 1.13% | 1.38% | 1.52% |
| Montgomery | 1.07% | 1.12% | 1.19% | 1.25% | 1.31% |
| Prince George's | 1.14% | 1.27% | 1.44% | 1.59% | 1.78% |
| Queen Anne's | 0.76% | 0.81% | 0.87% | 0.94% | 1.16% |
| St. Mary's | 0.86% | 0.93% | 1.00% | 1.07% | 1.11% |
| Somerset | 0.78% | 0.86% | 0.95% | 1.07% | 1.18% |
| Talbot | 0.41% | 0.59% | 0.76% | 0.85% | 0.91% |
| Washington | 0.72% | 0.81% | 0.88% | 1.04% | 1.04% |
| Wicomico | 0.75% | 0.82% | 0.90% | 0.96% | 0.96% |
| Worcester | 0.82% | 0.92% | 0.99% | 1.12% | 1.25% |
| Baltimore | 1.31% | 1.71% | 1.94% | 2.15% | 2.28% |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Property Tax Assessment Values Across Maryland
Understanding the distinction between "market value" and "assessed value" is crucial when examining property taxes in Maryland.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market. Location, property condition, and economic market trends often influence it. Each Maryland county assessor estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Maryland, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the end of May.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. Maryland’s median home price is $338,400, while the median property tax bill is $4,092, above the national median property tax bill of $2,400. For example, Montgomery has the highest median home price at $520,100, and Howard has the highest median tax bill at $7,069.
Median Maryland Market Value
$338,400
Median United States Market Value
$235,294
Property Tax Assessment Values Across Maryland
| County | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Allegany | $48,600 | $75,600 | $113,750 | $165,400 | $226,310 |
| Anne Arundel | $219,200 | $293,500 | $386,400 | $537,900 | $741,600 |
| Baltimore County | $140,800 | $203,500 | $285,000 | $400,500 | $571,700 |
| Calvert | $218,010 | $284,725 | $373,400 | $495,800 | $627,700 |
| Caroline | $125,600 | $171,600 | $232,700 | $316,000 | $409,040 |
| Carroll | $229,100 | $292,700 | $368,200 | $469,700 | $593,000 |
| Cecil | $130,300 | $188,100 | $257,800 | $346,600 | $459,400 |
| Charles | $137,600 | $266,900 | $354,900 | $457,300 | $574,300 |
| Dorchester | $51,800 | $98,700 | $171,600 | $268,900 | $390,980 |
| Frederick | $195,000 | $279,500 | $378,800 | $497,700 | $632,700 |
| Garrett | $55,000 | $106,600 | $186,500 | $414,100 | $839,520 |
| Harford | $165,000 | $225,400 | $305,000 | $412,500 | $532,400 |
| Howard | $266,410 | $370,600 | $507,600 | $670,500 | $868,000 |
| Kent | $129,900 | $169,500 | $246,400 | $394,400 | $657,420 |
| Montgomery | $260,000 | $371,800 | $520,100 | $755,800 | $1,105,700 |
| Prince George's | $115,000 | $280,300 | $355,500 | $447,400 | $574,400 |
| Queen Anne's | $213,800 | $298,300 | $401,800 | $540,150 | $812,400 |
| St. Mary's | $177,500 | $252,300 | $332,600 | $441,000 | $562,100 |
| Somerset | $56,700 | $88,000 | $142,700 | $226,200 | $323,320 |
| Talbot | $155,900 | $222,700 | $338,300 | $563,225 | $1,120,720 |
| Washington | $123,800 | $172,900 | $235,900 | $323,500 | $430,620 |
| Wicomico | $66,500 | $112,900 | $175,800 | $256,800 | $353,700 |
| Worcester | $143,200 | $224,675 | $322,500 | $447,900 | $594,230 |
| Baltimore | $34,000 | $80,100 | $149,500 | $220,800 | $339,890 |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Property Tax Bills Across Maryland
How much are property tax bills across Maryland?
Property tax bills in Maryland are calculated by multiplying the property's assessed value by the local effective tax rate. The assessed value is determined by the county assessor and reflects the market value of the property minus any applicable exemptions.
Maryland homeowners face varying tax obligations depending on their location. The median tax bill in Howard County is $7,069, while homeowners in Allegany County pay a median of $1,116.
Factors including property size, recent improvements, and neighborhood comparables all influence the final assessed value, and therefore the tax bill.
Understanding these factors helps property owners evaluate their assessment accuracy and identify whether an appeal may be warranted. Ownwell can help homeowners save on their property tax bills.
Median Maryland Tax Bill
$4,092
Median United States Tax Bill
$2,400
Property Tax Bills Across Maryland
| County | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Allegany | $441 | $711 | $1,116 | $1,730 | $2,385 |
| Anne Arundel | $2,129 | $3,022 | $4,073 | $5,596 | $7,719 |
| Baltimore County | $2,053 | $2,844 | $3,694 | $4,994 | $6,699 |
| Calvert | $2,406 | $3,040 | $3,976 | $5,248 | $6,545 |
| Caroline | $1,340 | $1,906 | $2,617 | $3,521 | $4,623 |
| Carroll | $2,589 | $3,261 | $4,060 | $5,215 | $6,707 |
| Cecil | $1,382 | $1,960 | $2,612 | $3,598 | $4,753 |
| Charles | $1,735 | $3,590 | $4,693 | $6,245 | $7,843 |
| Dorchester | $586 | $1,211 | $2,005 | $3,145 | $4,656 |
| Frederick | $2,451 | $3,539 | $4,845 | $6,467 | $8,292 |
| Garrett | $705 | $1,255 | $2,092 | $4,269 | $8,624 |
| Harford | $1,562 | $2,161 | $2,948 | $4,102 | $5,331 |
| Howard | $4,106 | $5,305 | $7,069 | $9,369 | $11,966 |
| Kent | $1,447 | $2,008 | $2,965 | $4,675 | $7,625 |
| Montgomery | $2,935 | $4,426 | $6,208 | $9,091 | $12,949 |
| Prince George's | $1,230 | $3,760 | $4,985 | $6,398 | $8,174 |
| Queen Anne's | $1,921 | $2,638 | $3,593 | $4,946 | $6,899 |
| St. Mary's | $1,723 | $2,525 | $3,276 | $4,307 | $5,577 |
| Somerset | $550 | $835 | $1,326 | $2,071 | $3,085 |
| Talbot | $921 | $1,446 | $2,311 | $4,237 | $8,858 |
| Washington | $1,044 | $1,488 | $2,083 | $2,918 | $3,831 |
| Wicomico | $619 | $997 | $1,546 | $2,199 | $2,970 |
| Worcester | $1,530 | $2,206 | $3,257 | $4,683 | $6,275 |
| Baltimore | $569 | $1,371 | $2,716 | $4,073 | $6,506 |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Want to lower your Maryland property taxes?
How Can I Lower My Property Taxes in Maryland?
Looking to reduce your Maryland property taxes? Ownwell is the leading property tax appeal company in Maryland. We specialize in helping Maryland property owners lower their taxes by working directly with county appraisal districts across the state each year.
Through our tax monitoring service and proprietary software, we collect everything needed to maximize your tax reductions. We navigate the complexities of Maryland property tax appeals and identify the primary exemptions so you don't have to.
Whether you're a homeowner, a real estate investor, or an asset manager, our local Maryland team at Ownwell has the expertise to assess your current situation and identify strategic opportunities to reduce your tax burden.
By handling the appeal process from start to finish, we simplify the procedure and enhance your chances of a favorable outcome.
Property Tax Appeals in Maryland
How Do I Appeal My Property Tax Assessment in Maryland?
Homeowners in Maryland who believe their property tax assessment is too high can appeal the decision through an informal and formal appeal process.
Step 1 — Review your assessment notice: Each year, the county assessor mails a Notice of Assessed Value. Review this carefully for accuracy in square footage, property characteristics, and comparable sales used.
Step 2 — File an appeal: Submit a formal appeal to the Maryland assessment authority by the deadline — typically the date listed on your notice. Include evidence such as recent comparable sales, a recent appraisal, or documentation of property condition issues.
Step 3 — Informal review: Most counties offer an informal meeting with an appraiser before the formal hearing. This is often where reductions are secured.
Step 4 — Formal hearing: If no agreement is reached, your case proceeds to the Maryland Property Tax Assessment Appeals Board, an independent panel that hears evidence from both the homeowner and the assessment office.
Maryland’s median property tax rate is 1.21%, which is higher than the national median of 1.02%. The median property tax bill is $2,643, compared with the national median of $2,400.
The highest median tax bill in Maryland is $7,069 in Howard County, while the lowest is $1,116 in Allegany County.
How does Ownwell help?
Ownwell handles every step of this process, from filing to the formal hearing, so you don't overpay. We help homeowners challenge an unfair assessed value and pursue a lower property tax bill.
Exemptions in Maryland
What property tax exemptions are available in Maryland?
Maryland homeowners may qualify for several property tax exemption programs, with the primary residence exemption being especially important for reducing the tax burden on an owner-occupied home. This type of exemption is designed for homeowners who live in the property as their main residence, and it can help lower the assessed value subject to taxation.
Other Maryland exemptions may include programs for seniors, veterans, surviving spouses, and homeowners with disabilities. These exemptions are separate from the primary residence exemption and each has its own eligibility rules, so it is important to review them individually. Some programs are based on age, service history, disability status, or household circumstances, while others are tied to ownership and occupancy requirements.
Homeowners usually apply through their local assessment office or the appropriate county tax authority. Applications often require proof of ownership, residency, and supporting documents that confirm eligibility for the specific exemption requested.
Ownwell can help Maryland homeowners identify which exemptions they may qualify for, prepare the right paperwork, and make sure no savings opportunities are missed. By reviewing your property and eligibility carefully, Ownwell helps you take full advantage of available property tax exemption programs on your primary residence and beyond.
Available Exemptions
Disabled
Home Stead
Veteran
Solar/Wind
Non-Profit